Last Updated: 07/28/2025
SuperMoney User Recommendation Score +94
Strongly recommended18 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
19.24% - 29.24%(Verified 07/30/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
19.24% - 29.24%(Verified 07/30/2024)
Disclaimer popup with additional information
Credit Score Range
680 - 850
Annual Fee
$0
Disclaimer popup with additional information
Number of Reviews
Citi® Double Cash Card Review
This is a cashback credit card issued by Citi®. If you're wondering whether Citi® Double Cash Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.24% up to 29.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.$0
- A 5% balance transfer fee. Citi® Double Cash Card charges a 3% balance transfer during the intro period charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees after the intro period. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase security, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Citi Double Cash card
| The Good | The Bad |
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Citi Double Cash card FAQ
Does Citi Double Cash card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back (1% when you buy plus 1% as you pay) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Citi Double Cash card have a signup bonus?
Yes. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Does Citi Double Cash card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Citi Double Cash card benefits?
Citi® Double Cash Card provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Citi Double Cash card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Citi® Double Cash Card has a variable purchase APR that ranges from 19.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 19.24% up to 29.24%. It also has a variable cash advance APR of 29.99% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Citi Double Cash card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 19.24% - 29.24% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee % | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Citi Double Cash card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Citi Double Cash card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Citi Double Cash card have a foreign transaction fee?
Citi Double Cash card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Citi Double Cash card?
The customer service number for Citi Double Cash card is (800) 950-5114.
What is the support contact email for Citi Double Cash card?
The support contact email for Citi Double Cash card is customer.help@citi.com.
How do people rate the customer service and user experience of Citi Double Cash card?
Overall, Citi Double Cash card is strongly recommended based on community reviews that rate customer service and user experience.
Does Citi® Double Cash Card report your account activity to credit bureaus?
Yes, Citi® Double Cash Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Citi® perform a hard credit pull?
Yes, Citi Double Cash card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Citi Double Cash card
- Visit the website of Citi Double Cash card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM
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Other Credit Cards from Citi®
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
18.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$99
Purchase APR
20.49%
Disclaimer popup with additional information
Balance Transfer APR
20.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
24.74%
Disclaimer popup with additional information
Balance Transfer APR
24.74%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0 - $59
Rating not yet determined
Purchase APR
17.99% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$495
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +94, or 4.9 on a 5-point rating scale.
+94
-1000+100
No one recommends
Everyone recommends
Citi® Double Cash Card Community Reviews
Would you recommend Citi® Double Cash Card to your friends?
Ariana H.
Jul 14, 2023
May or may not recommend
The rewards on this card are hard to beat. Easy to pay, use and manage!
WV
William V.
Apr 28, 2023
May or may not recommend
WARNING!! If you got this card before September 22, 2019 and still think its "Protection Benefits" (car rental insurance, trip cancellation & interruption protection, travel accident insurance, price rewind, 90 day return protection, damage & theft purchase protection, and extended warranty) are still in effect, they are NOT. In the July, 2019 statement an easily missed announcement of their discontinuation was printed on the last page. Despite its importance, this ...Show More
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
This is has become one of my favorite cash back cards. I was drawn to this card because it’s 1% cash back when you purchase something and 1% cash back when you pay your bill. It is reliable Chas back points, no need to spend in certain categories if you don’t want to bother. If you make your payments on time each month, Citi is awesome about steadily increasing your ...Show More
JH
Janis H.
Oct 6, 2022
May or may not recommend
It's hard not to feel like a winner with the Citi cash back cards. Who doesn't like great service and cash back? I know I recommend this card to others.
KL
Kendra L.
Jun 3, 2022
May or may not recommend
This is has become one of my favorite cash back cards. I was drawn to this card because it’s 1% cash back when you purchase something and 1% cash back when you pay your bill. It is reliable Chas back points, no need to spend in certain categories if you don’t want to bother. If you make your payments on time each month, Citi is awesome about steadily increasing your ...Show More
JN
Joel N.
Dec 21, 2021
May or may not recommend
Had this card and ended up canceling it. I think it's a good credit card and it offers 2% cash back in rewards.
ES
Emily S.
Nov 3, 2021
May or may not recommend
Many perks to the card! I appreciate you can access your credit score, get cash back with no cap, and have customer support at all times. The fraud monitoring is a nice feature to have in case unwanted credit card purchases occur too.
Youram J.
May 7, 2021
May or may not recommend
I never regretted that I've got this card. I can do shopping, grocery, and other stuff. I love using a Citi double cash card. The most amazing thing than other cards that it rewards with 2% cashback. There are no hidden fees, it comforts me a lot!!!
I would recommend it to my friends and family.
SL
Sean L.
Dec 23, 2020
May or may not recommend
This was one of my best credit cards to date because it was an upgrade from my old credit card which offered only 1% cashback compared to Citi Banks' 2% on my everyday purchases. Along with the great cashback rate, my APR was much better than my last credit card, and having no annual fee is always a plus. The purchase protection comes in handy if ever I would run ...Show More
NS
Natalie S.
Dec 11, 2020
May or may not recommend
This is a great card! With every purchase, you receive cash back with an accumulation of points you can put towards your balance or choose to have sent to your bank. Service fees, ATM fees, add up to help spare, invest, or pay down your balance with the spare change. I would recommend to all friends and family!
DO
Dahunsi O.
Nov 18, 2020
May or may not recommend
The Citi Double Cash Card shiness especially when it comes to rewards. The card currently provides one of the best ongoing earning rates available on the market, meaning that you can gain a lot as long as you pay your bill in full every month.
KM
Kate M.
Nov 6, 2020
May or may not recommend
I am a current Citi Double Cash Card holder. I have absolutely loved having this card. I have had the card roughly 2 years and have never regretted applying for it. I get 2% back on most of my purchases so I usually use it for groceries, gas, etc. to get more back. I have never had an issue with customer service. If anything, they’ve been outstanding.
JK
Jacqueline K.
Sep 30, 2020
May or may not recommend
The rewards on this card are such a huge plus! They give 2% cash back and discounts galore. After having the card for a few months, I was able to call in and increase this limit with so much ease in comparison to some of my other credit cards. I have been using this credit card about 75% more than any of my other cards because the benefits offered are ...Show More
TM
Tany M.
Sep 16, 2020
May or may not recommend
REWARDS!! the rewards on this card are remarkable. 2% on every purchase? that's definitely something to be excited about! The absence of annual fees is an added bonus. their customer service over the phone is top-notch so far, I would recommend this credit card for sure.
Keanan G.
Sep 15, 2020
May or may not recommend
I would absolutely recommend this credit card to anyone who is looking to get EVERYTHING at a slight discount. That's why makes this card so special; as opposed to other great credit cards like the Discover It Cash Back Card or the Bank of America Cash Rewards Card, which require you to spend money only at certain places or during certain times of the year. For the Double Cash Card, ...Show More
KC
Kaisa C.
Sep 7, 2020
May or may not recommend
Best credit card ever. The double cash means it has double cash back. 2% on every purchase. While that might not seem like much, it adds up. I started with a credit limit of $3,000 and they let me raise it with a phone call.
I prefer earning a flat rate for cash back. Other places have 5% cash back but only for the specific category chosen that week (I.e ...Show More
MB
Marshall B.
Apr 30, 2020
May or may not recommend
I like this card. The rewards on this card are great.
Yuris B.
Jun 16, 2019
May or may not recommend
I like this card a lot, used it for a balance transfer and ended up saving myself a couple hundred dollars.
Showing 18 of 18 reviews
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